Companies in Founding

You’re welcome to open a Kontist account before you register your business. Just make sure to update your business details in the app once you’re officially registered. You’ll need to enter your tax number so that it can be applied to the relevant transactions. Kontist is built to support you at every stage of your self-employment journey.

To open a business account with Kontist during the founding process, you’ll need a valid ID (such as a passport or German ID card), a smartphone for video-based identity verification, and key details about your business, including its name, address, legal form (e.g., GmbH or GbR), and tax ID. If your company has multiple managing partners, each one must provide their personal information and complete the identity check individually. Additionally, you must be a resident in Germany and subject to German taxation.

No. There is no minimum share capital requirement to open a business account. You can start the account immediately—even in the founding phase of your company—without depositing any equity.

Kontist allows multiple legal representatives (for instance, managing directors or partners) to be added during onboarding. Each person receives their own login and must complete the identity check. However, you cannot add unrelated third-party users (e.g. allowing a friend), as Kontist accounts are exclusively for your own business purposes.

No need to worry. Your Kontist account is held by Solaris, a fully licensed German bank regulated by BaFin and the European Central Bank. Your deposits are protected under the European deposit guarantee scheme, covering up to €100,000 per customer. Your money is never invested or loaned out.